https://www.hellominh.com/cs-shared-expenses daily 0.75 2026-04-18 https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605673321732-ZJ9JJ5NXYS02VNLKHW3D/SE-Home.png Shared Expenses - Lead UX Designer & Product Manager For this initiative I acted in the dual capacity of lead designer and product manager. In a design capacity, I led the design of the brand new Shared Expenses feature, natively built for the CommBank App’s iOS and Android platforms. Leading a team of three designers (mix of UX and UI) and working closely with the UX research team, outputs included in-depth secondary and primary research to identify and frame the opportunity space, before moving the project into execution with iterative designs, informed by ongoing usability testing. In a product manager capacity, I managed a junior product manager, and led two scrum teams through discovery, solution design, build and delivery/release milestones including an outcomes based backlog and go-to-market learning canvas. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605332474308-BY8GFZY8W7JSNA5P9VU5/SE-01.png Shared Expenses - Background & Context The Commonwealth Bank is Australia’s largest and most recognised financial institution, capturing half of the country’s market share I led an initiative tasked with identifying opportunity areas to attract high-value relationships that could be used to lift acquisition rates and grow long-term customer loyalty https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604019934667-KSATKH0YYQMEED1AM0SE/SE-02.png Shared Expenses - Opportunity Sizing Quantitive research revealed shared financial experiences as an area of high pain point and high frequency Desirability for solutions in these areas was also high, indicating an opportunity to explore more deeply https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604019958769-P5CRSM8TDFCM0EWVBTYO/SE-03.png Shared Expenses - Ideation I ran ideation workshops with the involvement of engineers, architects and relevant business stakeholders to gather and generate ideas that would feed into concepts and solutions https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604019984543-RILV4WSC4P9TK60U03QL/SE-04.png Shared Expenses - Research Working with two UX researchers, diary studies, focus group interviews and contextual inquiries were used to generated qualitative research results aimed at validating customer pain points, testing concepts and gaining understanding of the different customer journeys involved in a range of shared experiences e.g. group dinners, shared holidays, shared households https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604020061505-AGD98Z6YFUQRAJNVX83O/SE-05.png Shared Expenses - Synthesis People have shared financial experiences with every level of their social circle; amongst friends, households and external groups The complexity of managing these experiences increases with the life of the expense and the number of people involved e.g. once-off expense between friends, ongoing tab with households, multiple participants involved for shared events and/or partnerships https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604020084052-WWMAVX9NLB9L3SAQSBYT/SE-06.png Shared Expenses - Converging on an Opportunity Consolidated view to keep track from one source of truth Minimise effort to calculate and split Integrated payments to facilitate instant payment & settlement for less IOUs https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604020106785-TY223Q23CRSIKCRVMCHH/SE-07.png Shared Expenses - Framing the Product Vision In order to take the frustration and awkwardness out of chasing your friends for money, our product will provide you with an easy way to manage shared expenses It’ll let you track what’s owed, to who, and effortlessly collect payment. No more disagreements. No more awkward conversations https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604020146289-DYZQGWWWA97LLBJXYGCE/SE-08.jpg Shared Expenses - Getting Ready for Execution Storyboarding with a visual designer Mapping out use cases and story mapping Creating initial sketches and flows for the scrum team https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604020192468-CSTVSZ5ENI7296ZEJ5S7/SE-09.png Shared Expenses - Delivery Phase Early interactive prototypes were tested with customers to get a sense of usability Ongoing refinement through design critiques and a usability testing cadence of every two weeks Working with a UI designer to finalise detailed designs https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1604020235889-3BVKHKZ2W8NWC86V7ZBU/SE-10.png Shared Expenses - The Product Roughly 4 months following beta release and no marketing: Close to 85K expenses created and shared Over 34K contacts added to in-app address book https://www.hellominh.com/cs-instant-banking daily 0.75 2026-04-18 https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605331998188-T4YLCKHLS1Z7XWRRSLV3/IB-Title.png Instant Banking - UX Designer I designed the CommBank App’s first native origination experience, enabling prospective customers to open an account and start transacting in minutes Key outputs from me included designing a new form-field pattern and crafting UI copy for the experience This form design later became the primary pattern for native form fields and data input across the CommBank App and I used the UI copy as the basis to develop a new conversational pattern for the content design style guide https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605332019989-FYR6TRW6D7Z0WX7RAT5J/IB-01.png Instant Banking - Background & Context The award-winning CommBank App allows millions of customers to access fast, secure banking on the go. Despite being one of the Bank’s key digital assets, and the number one banking app in the country for a successive years, limited work had been done to enhance its acquisition capabilities A decision was made to focus the initial work on a relatively simple product, a transaction bank account https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605332043673-IXGBDU173EAK4KKD17XA/IB-02.png Instant Banking - Seed funding & Initial Research Although a business commitment was made to focus on developing how transaction accounts could be spotlighted on the mobile channel, this was only initially a small amount of seed funding intended to understand the space better - what a technical design might look like and what steps a customer might experience While the solution design was being architected, I ran a customer-facing test to gauge appetite and gathered supporting secondary research insights https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605332375303-83G32HLKD8Z0QLO3P3PX/IB-03.png Instant Banking - Focusing on Form Design & Problems with Usability Basing designs off of existing forms within the App, successive rounds of usability revealed issues with completion on a small screen Because of the personal information required from customers, traditional design patterns to overcome data entry challenges in mobile devices, such as date pickers and pre-defined selections, were of limited use https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605332405083-IXX4FU3QQWEWXQJTKIVT/IB-04.png Instant Banking - Solution I designed a new form field pattern to capture data, which borrowed from the typeform, conversational style of web experiences with design iterations specifically focused on ease of data entry on a mobile screen: Native keyboards, number pads and date pickers to minimise user error Sequencing of keyboards & number pads to reduce cognitive load by limit switching between different input types Floating text field label to retain context ‘Next’ on keyboard advances to next field with the keyboard already onscreen to facilitate quick entry Subsequent usability tests showed a marked improvement in speed and accuracy https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605332430442-Z7FYTDQJLT49IU6YPMZP/IB-05.png Instant Banking - Results This pattern of form design is now widely used across the CommBank app with all new projects leveraging the look, feel and technical components Within 2 months of a public release, roughly 1000 new bank accounts were being opened through this experience per week https://www.hellominh.com/about daily 0.75 2026-04-18 https://www.hellominh.com/home daily 1.0 2026-04-18 https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/08f90f95-8497-4f0c-b434-bc8d5c3905c8/PremiumPaidT%26E-00126.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605673321732-ZJ9JJ5NXYS02VNLKHW3D/SE-Home.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/8aba351f-07d8-4643-ae01-edf99facf998/SLRC.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/b4db5a70-e1c9-49ca-9b19-a0d9f4846b0f/HS-CX-26001.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/e5c7b621-04e8-4231-8aaf-5768337b9240/GB-Asset-00.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1605331998188-T4YLCKHLS1Z7XWRRSLV3/IB-Title.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f891d7a651e5139a34e235b/1606045649833-U7NSOYFTRHB8OS1QGEJK/JR-Home.png Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference.